By Bob Mooney

Your driving history is an important factor determining your Arizona Auto Insurance rates. Insurance carriers may look back a few years to see if your driving history have included any of the following:

The number of tickets you have for speeding and other moving violations.
Any crashes you’ve been found responsible for.
Any DUIs or other serious violations.
Any insurance claims you’ve made. If a friend crashed your car and a claim is filed on your insurance policy, for example, your rates can go up.

Your Personal Information

When you apply for insurance, the insurance carrier will want to know a few things about you. This information can be used to determine your rates, although Arizona law may prevent some types of information from being used. Here are some of the things insurance carriers often look at:

Age: Younger drivers often have higher rates. Rates may increase again after around age 65 or 70.
Gender: Women tend to have lower premiums than men.
Credit Score: Some insurers may use your credit score to help calculate rates.
Marital Status: Whether or not you’re single can also impact your rates.
Education: Some insurers use our level of education as part of their calculation.

Your Potential Insurance Discounts

You may qualify for Auto Insurance discounts that bring your premium down. Discounts for safe drivers, good students, and anti-theft devices are common. It’s also common to get a discount when you pay the full premium in advance, instead of paying month-to-month, or if you insure multiple cars on one policy. Your insurance carrier may have other discounts, as well, so we will make sure you’re not missing out on anything.

Putting It All Together

Every insurance company does things a bit differently. Although they tend to look at the same basic factors, more or less, the weight they give to those factors may vary significantly. Right now, one insurance company might give you the best rates. If your situation changes, a different insurer might give you better rates.

Does all this sound overwhelming? It doesn’t have to be.

It’s true that there’s a lot to consider when selecting the Car Insurance policy that best fits your needs – but no one expects you to be an insurance expert. That’s what Independent Insurance Agents are for.

Captive agents work for a single insurance carrier. These are often the big recognizable names like State Farm, Farmers, or American Family. Agents from these companies can only show you options from their own company, even if those options are not ideal for you.

Let Us Help
We are an Independent Insurance agency that contracts with multiple insurance companies. This allows us to shop around for the most suitable coverage for your needs and budget.

When you work with us, you’ll answer a few basic questions. Our agent will guide you through the process and help you with anything you’re not sure about. Then, we will do the heavy lifting of getting Arizona auto insurance quotes from a number of different insurance companies. You’ll be presented with the options, and your agent can help you identify the one that’s right for you.

Want to see how much you can save on Car Insurance?

Contact us at Mooney Insurance, (520) 751-0502, or email

We’re here to help!

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